The Wells Fargo is a personal loan from Wells Fargo. The ongoing APR is 6.74% - 26.74% fixed (rates as of 07/10/2026; low end includes 0.25% relationship discount). Typical credit limit: $3,000 - $100,000. Loan terms: 12, 24, 36, 48, 60, 72, 84 months. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.